This PPT Explains the whole Process of Installing Hitachi ATM and CRM ( Cash Recycler Machine ) in your Location to Offer Customer Cash Withdrawal & Cash Deposit Via Card .

1. FRANCHISEE MODEL

2. WHAT IS WHITE LABEL ATM?
 White Label ATMs (WLAs):
 ATMs set up, owned and operated by non-banks are called
White Label ATMs.
 Non-bank ATM operators are authorized under Payment &
Settlement Systems Act, 2007 by the Reserve Bank of India
 वो ATM जिसका सवामितव NON-BANK ENTITY के पास
होता है और उसके द्वारा ही उसका संचालन ककया िाता है,
उसे WHITE LABEL ATM कहा िाता है

3. Why do we need White Label ATM?
 The rationale of allowing non-bank entity to set up White
Label ATMs has been to increase the geographical spread
of ATM for increased / enhanced customer service.
 The RBI aims to increase the penetration of ATMs in Tier-
III and Tier-IV cities through the WLA operators.
 RBI ATM को गााँव गााँव तक सभी तक पहुचाना चाहता है,
उसी उदयेश से White Label ATMs लगाने की मलए Non-
Bank Entity को सवाकृ तत प्रदान ककया है

4. Why do we need White Label ATM?
 ATMs offer convenience to customer (Because he doesn’t
need to visit Bank branch every time). ATMs are open
24/7, and even on holidays.
 ATM लोगो को सुववधा प्रदान करता है,उन्हें अपनी छोटी पैसों
की िरुरत के मलए हिेशा बैंक नहीं िाना पड़ता है
 Convenience to bank, because they don’t have to keep
large staff/office (compared to a system without ATMs). It
reduces their cost of branch operation.
 ATM से बैंकों को अपने खचे कि करने िें िदद मिलती है

5. Why do we need White Label ATM?
Country Approx. No. of ATMs per 10 lakh population
USA 1400
UK 500
China 200
India less than 100
ATM penetration has been very low in India.
Most of the ATMs concentrated in urban areas-
that too only at prime locations e.g. near shopping
malls and airports, Thus financial inclusion not
achieved.

6. What’s the Future Scope of WLA?

7. Why do we need White Label ATM?
 Government is Extending all the Government Subsidy to
poor Beneficiary via “Direct Bank Transfer” ( DBT)
 Government has also announced special scheme for all the
Farmers in India ( Pradhanmantri Kishan Saman Nidhi
Jyojana) of Rs 6000 per Year, given in 3 (Three) Installment of
Rs 2000 in almost 20 Crs Farmers Bank Account directly.
 This can Give almost 60 Crs Number of Transactions Per Year
( Rs 600 Crs Commissions for these Transactions)

8. Facilities at white label ATM
 Any customer from belonging to any bank, can use it.
 Customer CanWithdraw Money
 Customer Can Do Balance Enquiry
 Customer Can Get their Mini-Statement
 Every month, Five transactions are free.
 White label ATM users can also withdraw a maximum of 10,000
per transaction.
 Open 24/7 and on holidays

10. Benefits of Joining Hitachi White
Lable ATM Network
 Benefits? Be a part of our growing network HITACHI WLA ATM
 Our readily expanding network presents an exciting opportunity which can increase
your earning potential with a minimal investment.
 Be a franchisee for the Hitachi WLA ATM and you can earn with every transaction
carried out at your ATM site.
 This is a business opportunity which gives maximum returns with minimum or no
efforts at all.
 Join Hitachi WLA ATM network and encash the benefits of:
 Low capital investment
 Steady, lucrative returns
 Increased footfall on your premises
 Ease of operation

11. HITACHI WLA FRANCHISEE
MODEL, HOW DOES IT WORK?
CENTRALLY LOCATED SHOP
 IDENTIFY
LOCATION
THAT CAN BE
YOUR OWN OR
RENTED

12. HITACHI WLA FRANCHISEE
MODEL, HOW DOES IT WORK?
SEND ALL REQUIRED DOCUMENTS ALONG WITH
SHOP PICTURES TAKEN VIA “SITE QUEST”
 AADHAR CARD
 PAN CARD
 CURRENT ACCOUNT CHEQUE/ BANK STATEMENT
 PASSPORT PHOTO
 ELECTRICITY BILL
 GOVERNMENT BUSINESS PROOF(GST/TRADE LICENCE/ AADHAR
UDHYOG
 PRIVATE BUSINESS PROOF( BANK CERTIFICATE/DISTRIBUTOR
CERTICATE)
 RENT AGREEMENT OR LAND DOCUMENTS IF IT IS YOUR OWN SHOP

13. HITACHI WLA FRANCHISEE
MODEL, HOW DOES IT WORK?
HITACHI WILL INSTALL ATM, UPS, VSAT, DO ALL THE
INTERIORS MAKE FRONT GLASS DOOR AND DO ALL
BRANDING OF ATM SITE

15. AFTER GETTING LOI FRANCHISEE HAS TO SECURITY
DEPOSIT IN HITACHI PAYMENT SERVICES BANK
ACCOUNT IMMEDIATELY & SEND SIGNED LOI WITH ALL
DOCUMETS TO MUBAI OFFICE MENTIONED ADDRESS
ONCE ATM IS LIVE IS HANDED OVER TO
FRANCHISEE. FRANCHISEE HAS TO LOAD
CASH INTO ATM , ENSURE SAFETY &
SECURITY OF ATM . ENSURE PROPER
CLEANINESS OF ATM

16. WLA TOPAZ MODEL NON- RENTAL SITE

17. EARNING OPPORTUNITIES OF HITACHI
WHITE LABEL ATM
INVESTMENT FOR CASH LOADING & SECURITY DEPOSIT – 3,65,000
TOTAL TRANSACTION IN A MONTH 2010
COMMISSION ON CASH TRANSACTION 1350 * 8.50 = 11,475
COMMISSION ON NON-CASH TRANSACTION 660 * 2.00 = 1,320
TOTAL INCOME 12,795
RETURN ON INVESTMENT (ROI) 3.51% MONTHLY RETURN
HITACHI ATM HAVING 45 CASH TRANSACTION & 20
NON-CASH TRANSACTION ON DAILY BASIS

18. EARNING OPPORTUNITIES OF HITACHI
WHITE LABEL ATM
HITACHI ATM HAVING 70 CASH TRANSACTION & 30
NON-CASH TRANSACTION ON DAILY BASIS
INVESTMENT FOR CASH LOADING & SECURITY DEPOSIT – 4,40,000
TOTAL TRANSACTION IN A MONTH 3000
COMMISSION ON CASH TRANSACTION 2100 * 8.50 = 17,850
COMMISSION ON NON-CASH TRANSACTION 900 * 2.00 = 1,800
TOTAL INCOME 19650
RETURN ON INVESTMENT (ROI) 4.47 % MONTHLY RETURN

19. EARNING OPPORTUNITIES OF HITACHI
WHITE LABEL ATM
HITACHI ATM HAVING 120 CASH TRANSACTION & 47
NON-CASH TRANSACTION ON DAILY BASIS
INVESTMENT FOR CASH LOADING & SECURITY DEPOSIT – 5,90,000
TOTAL TRANSACTION IN A MONTH 5010
COMMISSION ON CASH TRANSACTION 3600 * 8.50 = 30,600
COMMISSION ON NON-CASH TRANSACTION 1410 * 2.00 = 2,820
TOTAL INCOME 33400
RETURN ON INVESTMENT (ROI) 5.66 % MONTHLY RETURN

20. EARNING OPPORTUNITIES OF HITACHI
WHITE LABEL ATM
HITACHI ATM HAVING 160 CASH TRANSACTION & 75
NON-CASH TRANSACTION ON DAILY BASIS
INVESTMENT FOR CASH LOADING & SECURITY DEPOSIT – 5,90,000
TOTAL TRANSACTION IN A MONTH 5000
COMMISSION ON CASH TRANSACTION 4800 * 8.50 = 40,800
COMMISSION ON NON-CASH TRANSACTION 2250 * 2.00 = 4,500
TOTAL INCOME 45,300
RETURN ON INVESTMENT (ROI) 6.38 % MONTHLY RETURN

24. WLA CRM OPAL MODEL ONE YEAR
FREE RENTAL FREE MODEL

25. WLA CRM EMERALD MODEL
RENTAL FREE MODEL

26. EARNING OPPORTUNITIES OF HITACHI
WHITE LABEL CRM
INVESTMENT FOR CASH LOADING & SECURITY DEPOSIT – 3,15,000 ( FUNDS
FROM DEPOSITS- RS 1,00,000 )
TOTAL TRANSACTION IN A MONTH 2010
COMMISSION ON CASH WITDRAWAL TXN 1350 * 8.50 = 11,475
COMMISSION ON NON-CASH TRANSACTION 660 * 2.00 = 1,320
COMMISSION ON CASH DEPOSIT TXN 300 * 8.00 = 2400
TOTAL INCOME 15,195
RETURN ON INVESTMENT (ROI) 4.82 % MONTHLY RETURN
HITACHI ATM HAVING 45 CASH TRANSACTION & 20
NON-CASH TRANSACTION 10 DEPOSITS ON DAILY BASIS

27. EARNING OPPORTUNITIES OF HITACHI
WHITE LABEL CRM
HITACHI ATM HAVING 70 CASH TRANSACTION & 30
NON-CASH TRANSACTION 20 DEPOSITS ON DAILY BASIS
INVESTMENT FOR CASH LOADING & SECURITY DEPOSIT – 3,50,000 ( FUNDS
FROM DEPOSITS- RS 2,00,000 )
TOTAL TRANSACTION IN A MONTH 3000
COMMISSION ON CASH WITDRAWAL TXN 2100 * 8.50 = 17,850
COMMISSION ON NON-CASH TRANSACTION 900 * 2.00 = 1,800
COMMISSION ON CASH DEPOSIT TXN 600 * 8.00 = 4800
TOTAL INCOME 24,450
RETURN ON INVESTMENT (ROI) 6.99 % MONTHLY RETURN

28. EARNING OPPORTUNITIES OF HITACHI
WHITE LABEL CRM
HITACHI ATM HAVING 120 CASH TRANSACTION & 47
NON-CASH TRANSACTION 25 DEPOSITS ON DAILY
BASISINVESTMENT FOR CASH LOADING & SECURITY DEPOSIT – 4,50,000 ( FUNDS
FROM DEPOSITS- RS 2,50,000 )
TOTAL TRANSACTION IN A MONTH 5010
COMMISSION ON CASH WITDRAWAL TXN 3600 * 8.50 = 30,600
COMMISSION ON NON-CASH TRANSACTION 900 * 2.00 = 2,820
COMMISSION ON CASH DEPOSIT TXN 750 * 8.00 = 6000
TOTAL INCOME 39,420
RETURN ON INVESTMENT (ROI) 8.76 % MONTHLY RETURN

29. EARNING OPPORTUNITIES OF HITACHI
WHITE LABEL CRM
HITACHI ATM HAVING 160 CASH TRANSACTION & 75
NON-CASH TRANSACTION 34 DEPOSITS ON DAILY
BASIS
INVESTMENT FOR CASH LOADING & SECURITY DEPOSIT – 5,10,000 ( FUNDS
FROM DEPOSITS- RS 3,30,000 )
TOTAL TRANSACTION IN A MONTH 7050
COMMISSION ON CASH WITDRAWAL TXN 4800 * 8.50 = 40,800
COMMISSION ON NON-CASH TRANSACTION 2250 * 2.00 = 4,500
COMMISSION ON CASH DEPOSIT TXN 1020 * 8.00 = 8160
TOTAL INCOME 53,460
RETURN ON INVESTMENT (ROI) 10.48 % MONTHLY
RETURN

30. ALL DISPENSED CASH FROM THE ATM IS
CREDITED TO FRANCHISEE BANK ACCOUNT
NEXT WORKING DAY BEFORE 10 AM.
FRANCHISEE COMMISSION IS RELEASED ON
15TH OF NEXT MONTH AFTER DEDUCTION OF
10% TDS on the Commission Earned, which you can Get
refund After Filing your Yearly ITR

31. HOW TO MARKET WLA ATM?
 Hitachi Franchisee Can run a Financial Literacy
Awareness Camp at his ATM Site Regularly to make
people aware about Financial Transactions and also Train
them How to Use their DEBIT at ATM Without any
unknown person help.
 Hitachi Franchisee सिय सिय पर अपने ATM SITE पर
वित्तीय साक्षरता जागरूकता शिविर का आयोजन कर सकते
हैं। उसिें वे ग्रािीणों को ऑनलाइन ठगी से बचने के मलए
एवं अपने एटीएि कार्ड प्रयोग करने के बारे िें ववस्तृत
िानकारी दें सकतें हैं।

32. HITACHI DIRECTION BOARD

33. HITACHI DIRECTION BOARD

34. HITACHI HINDI FLEX BANNER

35. HITACHI NEWSPAPER INSERT

36. HOW HITACHI WLA FRANCHISEE CAN
TRACK HIS TRANSACTIONS AT ATM SITE?
 HITACHI REGISTER ITS FRANCHISEE ON “APNA ATM”
MOBILE APP WHERE A FRANCHISEE CAN VIEW ALL ITS
TRANSACTIONS AND AVAILABLE CASH DETAILS TOO.